SWMCX

Every_Other_Weekend

I’m looking for what I’ll call feedback, not advice. Advice feels like I’m asking someone to tell me what to do, and that’s not really where I’m at. I mostly just want to type this out, see how it sounds outside my own head, and get some reactions, good, bad, or “have you lost your mind?” I’m 38, married, with a blended family and two kids. The loose goal is to step away from full-time work by 12/31/2035, which also lines up with when our house should be paid off. I’m very aware I’m financially far from that right now, but after a lot of conservative back-of-the-napkin math, and yes, some help from ChatGPT, I genuinely think being financially independent by then, roughly $1.3M across accounts, is doable. This is where I’m hoping for feedback on my investment approach. I’ve spent a lot of time reading, listening to podcasts, going down article and Reddit rabbit holes, and I keep coming back to a variation of the Swensen Model. I’m not under any illusion here. Swensen ran a private institutional endowment and had access to options I’ll never touch in my lifetime. I get that. That said, I really like the bones of the model, especially the diversification patterns, and I wanted something that feels a little more intentional than pure set it and forget it, without drifting into day trading or constantly fiddling with things. A little more context about me, because this probably matters. I’m extremely risk tolerant. Big dips don’t scare me at all, and honestly, red days tend to get me more excited than nervous because I see them as buying opportunities. I also know myself well enough to know that if I’m not involved, I won’t stick with it. I budget every single day, not because I have to, but because I genuinely enjoy it. I’m not looking for a set it and forget it portfolio. What I want is a plan that gives me something to look at and engage with, something I can check in on quarterly, rebalance, and make sure the percentages stay where I want them from a diversification standpoint. Watching the numbers move around doesn’t bother me at all. For reference, the original Swensen Model allocation was roughly 30% domestic equities, 20% REITs, 15% inflation-protected equities, 15% government bonds, 15% developed market international equities, and 5% emerging market international equities. What I’m considering looks more like this: 60% domestic equities, 10% REITs, 5% Treasury inflation-protected securities, 5% government bonds, 15% developed market international equities, and 5% emerging market equities. That 60% domestic allocation would be split evenly between large cap, mid cap, and small cap. Specifically, 20% large cap using SWLGX, 20% mid cap using SWMCX, and 20% small cap using SWSSX. Treasury inflation-protected securities would be held in SWRSX, government bonds in SWAGX, developed international markets in SWISX, and emerging markets in SCHE, mainly due to the lower expense ratio compared to SFENX. Thanks to anyone who made it all the way through my slightly erratic rant. I genuinely appreciate you sticking with it, and I’m looking forward to reading whatever feedback you’re willing to share!

fzdw11

Mine was showing the same, showing a $400k gain between SWPPX and SWMCX. It self corrected on Schwab pretty quickly. Was originally showing the new shares but not the adjusted NAV. Closing bell on Friday and it finally updated the NAV correctly. Threw me, cause I wasn't aware the splits were happening, so had to do some research and figure out what the hell just happened.

kduffygreaves

What’s up with SWMCX? Down 80% today? Just a mistake I assume but I see it fucking my 403b

rilmulroy

20 yo college student in the US, maxing out my Roth IRA with Charles Schwab for the 2023 contribution year. I also have about a quarter of my 2024 contribution so far. Looking for some recommendations for what to invest in. Thinking more along the lines of index funds because of the tax exemption and partial shares. Right now I am thinking: \- SWTSX (95%) \- SWISX (5%) I could also split into the smaller holdings: \- SWPPX (80%) \- SWMCX (10%) \- SWSSX (5%) \- SWISX (5%) Could switch it around and buy ETFs instead: \- VTI (95%) \- VXUS (5%) Any recommendations or advice would be greatly appreciated!

greytoc

The equivalent mutual funds are Schwab mutual funds. VFIAX = SWPPX VTSNX = SWISX VSCIX = SWSSX VMCIX = SWMCX Note that Schwab has a large mutual fund marketplace which are NTF (no transaction fee) so if you want to use a fund from a different investment manager - it may also be available at Schwab/TDA.

ummagawd1

Roth IRA - Allocation Questions Hi Reddit, I’m looking for some advice on my current Roth IRA allocations. A bit of background: 25YO- roughly making ~60k a year. My time horizon is long term, looking to keep invested for the next 35-40 years. The account has been open since 2020 and currently have ~15k invested. Right now my portfolio consists of 10% single equities the other 90% is split between three mutual funds. SWPPX(SP500 Index): 70% - Expense Ratio: 0.02% SWMCX(Mid-Cap Index): 20% - Expense Ratio: 0.04% SWSSX(Small-Cap Index): 10% - Expense Ratio: 0.04% I enjoy the idea of having 10% in single equities in case there is a specific stock I enjoy. I do however question if my current Fund allocations are the most efficient. Recently I’ve been looking into SWTSX (Full Market Index; Expense Ratio: 0.03%)and SWISX (International Fund; Expense Ratio: 0.06%) this is more simplistic, lower overall expense ratios, and more coverage. Although, I do like the idea of having flexibility between multiple funds (let’s say small cap preforms well moving forward, my currently allocation would allow for me to add more weight in that area.) The only concern I have right now is how much I will be spending through expense ratios with my current allocation vs a more simplistic allocation? If I were to add international to my current portfolio layout, my total expense ratio across all funds would be .16% as opposed to the .09% with the simple fund layout. Am I thinking about this the correct way? Overall I am curious if it is better to have a 2 fund portfolio or a 4-5 fund portfolio and why? Some constructive feedback would be great! Thanks everyone!

spicybung

This is a personal advice post. * I am 26 years old, living in the US. * I am a seasonal worker and should have between 30K-40K saved at the start of 2023. I currently have too much "cash," enough to support my lifestyle for a couple of years (I am extremely cheap). * I want to put my money to work / protect it from inflation, and start down a track of financial freedom that doesn't involve living in a car and eating multiple jars of peanut butter a week just to save money that loses value. * My time horizon for the majority of my investment budget is 20+ years * I am somewhat risk-averse for my age/sex. I don't need to get rich, I have always lived below my means, I just want a future without financial hardship. However I recognize that I will never be in a better position to take risk, and I do have money to invest that I can lose and be fine. * I have a Schwab brokerage account. I bought everything close to the top of the market. Not worried about it, not taking my money out. It's a relatively small amount ($1,636 today) that will incentive me to learn about investing over time. What you see below will probably raise a few questions. I'm working on it. * 59% SWPPX * 2% SWMCX * 2% SWSSX * 2% MJ * 11% EDOC * 15% ICLN * No debt. No major expenses. ​ The options I am considering as of now: Option 1: Wait until the next Ibond rates have been predicted (October?), determine the average rate (9.62% + ? / 2) I will receive for the next 12 months, and decide on a purchase amount between $0 and $10K. Whatever I am not spending on Ibonds I will be investing in the stock market (diversified low cost index fund(s), maybe a small percent in equities to make things exciting). Even with 10K in Ibonds I will likely buy more of the market. Option 2: Buy 5K of Ibonds now, and reassess in October whether I will buy more or invest that money in the stock market instead. Option 3: Set aside an appropriate "emergency fund" with some cushion and put my whole investment budget in the stock market, because I am young and can take on risk. \*\*\*If I wait until October and decide I am all in on Ibonds, I may also put my tax return in Ibonds and/or make an Ibond gift of some amount to a family member\*\*\* ​ Any insight is appreciated. I want to have all the possible information before making my decision, but by waiting until October I am continuing my bad habit of sitting on cash that I have zero immediate need for.

VaultCrab3

SWPPX vs SWMCX for long term (20+ years) growth? Right now I have SWPPX as a mutual fund to compliment my tech and large cap value ETFs, but am considering switching from SWPPX over to SWMCX since historically mid caps have easily beaten the S&P500. Does this sound like it would be a smart move?

VaultCrab3

SWPPX or SWMCX for long term (20+ years) growth on a Schwab account? I'm invested heavily in tech ETFs right now, and want to diversify a bit. From what I understand, mid caps have historically preformed better than the s&p 500, except for the past 10 years or so meaning SWMCX would likely be a better long term investment. Is that accurate?

rlv28

Total Portfolio: ~114k 401K SNXFX 59% Roth IRA SWISX 11.5% SWSSX 11.5% SWMCX 12% HSA VITSX 4% Brokerage SCHD 2% (Just started a position)

rlv28

Simple Portfolio, thinking of consolidating the mid cap and small cap funds to maybe SWTSX once more of the losses from the past few months are recovered. 401k is all Schwab 1000 SNXFX 64% overall IRA International SWISX 11.5% Small Cap SWSSX 11.9% Mid Cap SWMCX 12.6%